really bad day!!!!
must you be in a direct relationship to open a joint account? i'd say NO!! yesterday, i went to one of the world's local bank in town to enquire about joint accounts and one of the staffs said that both parties of the joint account holders must have a direct relationship such as immediate family or married couple. if you don't, you basically can't open one because either party can withdraw all the money and close the account. this is crucial in terms of when one doesn't have a legal relationship, either could have just run away with the money. that doesn't make sense to me because it's not part of the bank to worry about. once you have sign the terms and conditions, that means you agreed to either party withdrawing or closing the account. it doesn't really matter if you have a direct relationship or not.
i wasn't convinced at all so i call up their telebanking to enquire more. apparently, the help desk representative gave me a totally different information. she said you can open a joint account regardless of whether you have a direct relationship and there's no condition stating that. then i informed her about what i was told by the branch staff, she insist that there's no such requirements and she also said it defers from branch to branch. it's all up to the branch to accept such kind of joint account. i am totally surprised by what she said and even ask her is that a YES or NO to open a joint account under such circumstances. she replied saying i will need to check with the respective branch itself and the only way to do it is by walking in and enquire. that's DUMB!!!
the next thing i did was to go back into the branch and get a confirmation from someone else. there was this guy that i explained the entire situation to and he asked me to wait while he finds out more for me. i was there waiting at one of the desk for 10 minutes and he still haven't turn up. so, i decided to look for him at the level below and found out that he is attending to those give away promotions. i went up to him and asked him where's my information? he looked puzzled and totally unaware i was waiting for him. he then tried to pass on the responsibility to someone else by saying "did she come back to you?". then, i asked who is the lady? isn't you the one who is supposed to come back to me? he even asked me to wait for another 5 minutes while he finishes with his give away promotions. man!!! i was so so so so pissed!!! i just told me it's ok coz i am not interested anymore and walk away. these people just have to learn to be more attentive while working and understand what does customer service meant. this is the most ridiculous bank service i have ever been to.
i wasn't convinced at all so i call up their telebanking to enquire more. apparently, the help desk representative gave me a totally different information. she said you can open a joint account regardless of whether you have a direct relationship and there's no condition stating that. then i informed her about what i was told by the branch staff, she insist that there's no such requirements and she also said it defers from branch to branch. it's all up to the branch to accept such kind of joint account. i am totally surprised by what she said and even ask her is that a YES or NO to open a joint account under such circumstances. she replied saying i will need to check with the respective branch itself and the only way to do it is by walking in and enquire. that's DUMB!!!
the next thing i did was to go back into the branch and get a confirmation from someone else. there was this guy that i explained the entire situation to and he asked me to wait while he finds out more for me. i was there waiting at one of the desk for 10 minutes and he still haven't turn up. so, i decided to look for him at the level below and found out that he is attending to those give away promotions. i went up to him and asked him where's my information? he looked puzzled and totally unaware i was waiting for him. he then tried to pass on the responsibility to someone else by saying "did she come back to you?". then, i asked who is the lady? isn't you the one who is supposed to come back to me? he even asked me to wait for another 5 minutes while he finishes with his give away promotions. man!!! i was so so so so pissed!!! i just told me it's ok coz i am not interested anymore and walk away. these people just have to learn to be more attentive while working and understand what does customer service meant. this is the most ridiculous bank service i have ever been to.
neotrax says @ 15:35
3 shoutouts
3 shoutouts
Looks like you got that hidden comment thing implemented ;)
The world's local bank eh? I know which one, just don't know which branch you went to. I think customer service these days are pretty bad. It's like they expect you to know everything and not have to ask. It's amazing how some companies still dare to claim they have the best customer service.
On the other hand.... joint account with who... SM ah? Why? Buy house ah? Marriage preparation ah? *wink* *wink* heehee
david,
well, i think the people here are just too lazy with the tidak apa attitude.
the info is for my relative la. you think i'm like you meh. can buy this and that in such short period of time. hehehehehe!!!
I'm damn pissed with the world's local bank's service quality. They don't take the initiative to serve their customers well.
2 months ago, I enquired with their customer service staff on which other bank's ATMs I can use to withdraw my money since their branches are not strategically located. That staff kept gaving me irrelevant answers. He then directed me to queue up at one of their teller just to ask a simple question that he couldn't answer properly. I got so fed up and requested to meet his supervisor. Finally the supervisor reluctantly explained to me abt their ATM policies.
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